I just got off the phone with a CareCredit customer service rep, and I was hoping they would actually have me complete the survey they promised at the end of our call because I would have been happy to air my grievance there. But, no surprise, there was no survey after our call, so I'll grieve here instead.
A previous reviewer talked about the rudeness of the customer service reps--100% agreement! First I was given a woman with such a thick accent that I couldn't understand a word she said. Wanting to be kind, I told her that her accent was beautiful, but that my hearing wasn't great and I was having trouble understanding her, and asked if I could speak with someone else. She sent me to a whole different department (merchant services) that couldn't help me at all, and they sent me back to customer service. This time. I got a rude lady (no accent). She had zero skill in soothing a customer's ruffled feathers--why are people like this given customer service jobs?
I complained that even though I faithfully make my monthly payment on time, and pay my full balances within the demanded time, I have been charged interest and a fee this year on my balance. She explained (in a tone that sounded like, "You idiot, you should know this") that a portion of my bill had been "non-promotional"--she kept repeating this phrase as though I should know exactly what that meant. I finally told her I didn't know what she meant by "non-promotional", and only then did she go out of her way to explain that if your bill is under $200, you get charged interest until that portion is paid off!
I also told her that the chat feature which their site claims to have was nowhere in sight on my computer. She said to go to Internet Explorer instead of Google Chrome and it would most likely be there. I tried that and, again, there was no chat link to be found. She said, "Well, I'm on that page and I see it on mine"--in that same condescending tone, as though she was certain I was looking straight at that chat button but was just too stupid to see it. Never did resolve that one--the chat feature simply wasn't there. Last thing I needed was a copy of an old statement which wouldn't print at the time I tried to print it (Their site is tweaky sometimes and won't cough up what you need).
She asked if I wanted a paper statement sent. Suspecting hidden charges on everything with this company, I asked if there was a charge for that, and she informed me in her "what idiot wouldn't know there was a charge?" tone that it would cost me $4. In surprise, I mused, "A $4 charge..." Her cold response: "Yep." Very short with me, very uncharming, terrible representative of the company. I told her I would be glad to respond to their promised survey--but that never came. I had been telling others about CareCredit and right now have two friends who were going to look into getting it for their vet needs. I will advise them otherwise.
DALLAS, TEXAS -- A fellow employee informed me they were being charged a credit card security fee. I reviewed my billing and found I was being charged for the same line item. After trying to pay them off for a few years, this unsolicited fee added up to over $4,000.00. I am happy to say they will be giving me a credit for this charge. Watch all of your bills from this company if you do not want to go through my pain. Soon this company will be out of my life and have gained another person that will warn others of doing business with them.
ORLANDO, FLORIDA -- The month of August my previous balance was $3,500.00 and made a Payment of $114.00. I was for the first time being charged interest of $1480.90 which was now bringing my bill up to $4868.90. I told them my CareCredit was for two years, they told me it was for only one year. I asked how much is the payoff amount so I wasn't charged any interest. I was told if I make a payment of $3338.60 by the 27th of August, I wouldn't be charged interest.
I made a payment for that amount and now I was sent a bill of $1618.83 which means interest from last month and interest for this month. I have called three times in two days and put on hold constantly and nobody seems to settle this issue. I work six days a week and don't have time to be put on hold when nothing gets resolved. This is ridiculous.
ANCHORAGE, ALASKA -- They say they don't charge interest. But they actually do. It is charged in the first few months of using it and you start paying on it right away. On a $1,500 line, I had a 12 month promotional period of "No interest charged" if paid within 12 months. Total lies! They started charging interest immediately plus they charge service fees! Within those 8 months I had to pay $370 something in service fees and more than $125 in interest... on an interest free loan... wtf. Total crap company. I would never recommend them to anyone and I am actually going to as many reviews sites as possible in an effort to help people make the RIGHT choice and FORGET CareCredit. Total scammers!
NEW MEXICO -- My interest on 2 "purchases" at a dentist office went from $2 per month to $61 per month with the explanation that the one year promotion on the first purchase was over and the 6 month promotion on the second purchase was also over. Well, I will not pay such an outrageous demand and they can take their stupid card and go straight to hell with it! DON'T EVEN THINK ABOUT GETTING THIS CARD... IT IS A RIP-OFF SCAM!!!
ORLANDO, OKLAHOMA -- Did use card for vet. But today I paid off total amount on account because they had charged me $117.48 on interest. Called customer service and was told I had not paid off a promotional balance of $119.00. Payment is always early and above the minimum payment, never. Was told to pay this amount of $119.00 to keep from being charged this inflated amount on interest. Will never use this card again.
DRAPER, UTAH -- This is the most USELESS operation I think I have ever experienced. I applied for this credit with a credit score of 720 in which I think is very good for this day and age. And it asked for the amount that I needed to borrow which was $3400. After I hit the go link, I was automatically approved. All good. But it only gave me a $800 credit. Now my credit is in the good range and I told it the amount that I needed but it chopped 30 points off my credit which puts me into the average in credit score and all for nothing. The card is useless to me and now my credit score is butchered.
So I call to cancel this useless card. Now they say that it could affect my credit score as a bad creditor and butcher yet more points. This is by far the worst line of credit for medical there is and definitely a disaster to your credit. So if you have a miracle doctor that still only charges a few bucks for visits or a dentist that's under $1000 that you can use then maybe this is good for you. BUT if you have a perfect credit then you won't need these crooks. Stay away from these crooks.
ORLANDO, FLORIDA -- After no contact for a year, these lowlifes start charging me 29% interest, I find out and want to pay off the $300 I owe (I have been on automatic payment for 11 months). Four days before my call they tacked on almost $400 interest for the past year. I want to pay the whole thing off, and that is now almost $800.
It also took over an hour on hold before I could talk to anyone in a managerial capacity as they only have one line from customer service to management and it is always busy. These people did not notify me of anything, no emails, no snail mail, nothing, they tack on all this interest without an opportunity to pay off the balance. This company should be investigated and put out of business.
This is an open letter to anyone interested in open a Care Credit account. Simply do not do it. My fiancée had to get some dental work done, which was not covered by insurance at the time. So the dentist offered her a Care Credit card with should be paid in full over the course of a 12 month period. Well what they do not tell you is how ** terrible their services really are; after “paying” online for the first 3 months through their website; it turns out none of those payments ever went through; so she incurred $125 in late payment charges for the first 3 months, taking her original payment from $504 to $650.
Over the course of the next 4 months from January until now she has paid $100 a month for the last 4 months. Her bill in January was $554. For Feb was $454. For Mar was $254 and paid. It was down to $154 and now this month it's back to its original cost of $504.
These people are shady and need to be investigated with a lawsuit of fair practices and debt collection. They literally add on a $10 or $11 charge every time you call them to make a payment since their web service sucks so bad. On top of that the “No interest charge” is a ** lie since they will charge you interest on everything that is not the original payment. "Oh you have a late payment." HAHAHA INTEREST. "Oh you called us about your account." HAHAHAHA INTEREST. We have sent in our bank statements to prove that we have paid the last 4 months without being late, and they “HAVE NOT RECEIVED THEM”.
FLORIDA -- For convenience I used Care Credit for a dentistry bill. All went fine with my automatic monthly payment through my bank. No interest, no late fees. After it was paid I again used it for husband's new glasses. I set up a similar payment schedule for the glasses, same date with different monthly amount, of course. On a fixed income, automatic payments are a must for me.
I was unaware that, unlike normal credit cards, the payment date did not remain the same & had changed to 4 days before I had scheduled the automatic payments. I received no late payment notices, but over a 6 month period I was charged $158 in late fees! The initial statement for the glasses included a $55 payment that was not even due until the next month!!! Yet they are saying that the early $55 payment does not count as payment for the next month. That amount was over twice the minimum payment amount, but all that gets me is a "Thank you".
Yes, I should have looked carefully at the statements that were emailed to me, but I was thinking "Credit card - same pay date - all set up with my bank" & just skimmed over the statements. I did not check the statements until I saw that their balance was much different than mine. I called them & was able to have the outstanding balance waived & set to zero, but that did not cover all of the late charges. They will not refund me nearly $70 in overpayments.